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Making a Claim

Filing an insurance claim can be confusing. The following FAQ can help you navigate what you do before starting the process.

  • How do I file a claim?
    To start a claim, you'll first contact the Loomis Insurance Agency directly using our "Contact Us" page or using our toll-free number: 800-743-7205. Since we're your representative, we help you navigate the claims process with the company that holds your policy.
  • Why do I need to include Loomis in the claim process?
    The Loomis Insurance Agency is an independent insurance agency that represents you with insurance companies. When you buy insurance through Loomis, you're not just getting the best price. You're getting a representative to guide you when there's a problem. Our staff at Loomis are experts who can help shepherd you through the claim process and help ensure that you've got your paperwork in order before engaging the insurance company that holds your policy. By managing the claims process before you contact the policy issuer, you've got a much higher chance that your claim will go through and get paid.
  • How does the insurance claim process work for a small business?
    At Loomis, we make the insurance claim process as simple as possible for small business owners. To start a claim, you will need to provide us with the details of the incident, including the date and location, and any related documents such as bills, estimates, or photos. Our claims specialist will then review the information and create a plan to make you claim. Filing a successful claim means ensuring that you have everything you need to submit in hand before you contact the insurance policy issuer. A lack of preparation or holes in your documentation are often reasons for denial.
  • Can Loomis help negotiate the insurance settlement?
    Once the insurance company has completed its investigation and assessment, they will provide you with a settlement offer. Review the offer carefully, ensuring that it aligns with the terms of your policy and adequately covers the damages or losses incurred. Sometimes that offer may seem low. You can reach out to Loomis for guidance on whether the offer fits within the ballpark for incidents like yours or whether you need to negotiate for a larger settlement. Knowing what a "normal" settlement would look like gives you leverage when negotiating.
  • What documentation do I need to make a claim?
    Your insurance provider will likely require you to complete claim forms or provide specific documents. Valid documents may include: Incident reports; Damage assessments; Invoices; Receipts; Or any other supporting documentation related to the claim. If your claim involves property damage, you may need to obtain repair or replacement estimates from qualified contractors or vendors. This information will assist the insurance company in determining the appropriate settlement amount. Ensure to provide accurate and detailed documents that includes contact information for people involved, dates, and anything else you think might be helpful.
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